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Personal Overdraft

Giving you peace of mind that additional funds are available if you need them.

A Personal overdraft gives you a credit facility on your current account for temporary or occasional use. This gives you access to money when you really need it.

To apply you must be aged 18 or over and hold a personal current account with First Trust Bank. Lending criteria and terms and conditions apply. For more details see the 'Important information' section.

Personal overdraft

Features and benefits

You can apply for a personal overdraft if you hold a Classic current account.

No arrangement or renewal fee is charged for arranging an overdraft.

You can access your overdraft when you use your Visa debit card, when withdrawing cash from a cash machine, or when you write a cheque or pay a bill.

If you use the agreed overdraft facility, you may pay debit interest and a monthly fee depending on the type of current account you hold. Other fees and charges will apply if you exceed the agreed overdraft facility or if we unpay an item when you did not have sufficient cleared funds to cover the payment.

We will send you a detailed pre-notification with your monthly statement showing the interest and fees you owe us at least 14 days before we take the money from your account.

Click here to find out more details about fees, charges and interest rates that apply to your current account when you use an overdraft facility.

How to apply

To apply for an overdraft on your current account, call us on 0800 38 22 65† .

Applications can take between 15 to 20 minutes to complete. Alternatively, select the callback request on the right of this screen, complete your details and we will call you back at a time that suits you.

You can also call in to your local First Trust Bank branch to complete an application.

We’ll be happy to answer any questions you may have about applying for an overdraft with First Trust Bank.

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